Archive For: Auto Loans

For anyone that is currently in the market for either a new or used car, one of the best ways to ensure that you get the car that meets your exact needs is by receiving an auto loan. Because not everyone can afford to pay for a car in full, an auto loan might be the best option for you to help make sure that you receive the vehicle that you need. Depending on your credit score, there are a few different lending options that will guide you through the auto loan process and work with you until your objective is met. Whether your loan is through a bank, an auto loan specialist or a different financial institution, you should explore each available option to make sure that you find the lowest interest rate around. With a wide array of lending options available, you must make sure that you are receiving a fair auto loan. Of course, this depends greatly on your current credit score. By doing the necessary research that’s required to find a useful auto loan, you will be allowing yourself to find the best available lending option on the market.

Another thing to remember once you have received your auto loan is that most lenders also require you to have full auto insurance coverage on your vehicle. If you fail to do this, there’s a good chance that your new car will eventually get repossessed.

Luckily, if you are in need of an auto loan, there are many different beneficial choices for you. Whether you need to finance a loan over a 12-month or 60-month time period, most lenders will be able to work with you to help find a financial plan that fits your specific lifestyle. Some other beneficial financing options include:

0% interest over a designated time period

Financing is available with no money down

Low interest rates for people with good credit

The higher the down payment is, the lower the monthly loan payments will be

Refinancing options are available

The ability to payoff your loan in full at any point in time

For additional information about Auto Loans and how they can benefit you,
Call and speak with your Personal Representative at 1-888-908-1884, UnifyLenders.comApply Online, It is fast, Easy and Secure. Get Rates as Low as 1.99% APR

Being around since the early 1960’s, an auto loan has greatly evolved over the past five decades. When the auto loan was first introduced to the American population, potential buyers were required to put down a payment of at least 50% of the cars total value. In addition, anyone that received an auto loan during this time period would be required to pay the loan back in full within 12 months. For obvious reasons, financing a vehicle over just a 12-month period is no longer possible.

Needless to say, the auto loan process and standards have come a long way since then. Mainly due to the high increase in vehicle costs, auto loans can now be financed over a 60-month period. In fact, some auto lenders will even allow you to finance a vehicle longer than 60 months. Because cars are so expensive nowadays, it would virtually be impossible for anyone to receive an auto loan based on the old lending standards. Without reinventing the auto loan industry, virtually all car manufacturers and dealerships would not be able to stay in business.

Another auto loan factor that has changed over the years is the various lending programs that have been developed. By now providing extended term options, car buyers are able to be selective when it comes to purchasing a new or used vehicle. In the 60’s, people were only able to receive a car loan that was within their financial budget due to the required down payment amount and the life of the auto loan. Now benefiting both the auto industry and individual buyers, car loans are easily more accessible than ever before. Further, one of the most important determining factors in regards to receiving an auto loan is an individuals personal credit score. Although people with a low credit ranking are still able to receive an auto loan, the total financed amount will be much higher due the applied interest rate. In order to keep the interest on your loan as low as possible, you should absolutely make sure that your credit score

For additional information about Auto Loans and how they can benefit you,
Call and speak with your Personal Representative at 1-888-908-1884, UnifyLenders.comApply Online, It is fast, Easy and Secure. Get Rates as Low as 1.99% APR

With a continually struggling economy, the time has never been better for you to receive an auto loan for a new or used car. This remains constant because of the low interest rates that are currently available within the current auto loan market. Based on a struggling industry and a need for car manufacturers and dealers to stay afloat, auto loan interest rates have never been lower. This is especially true for anyone that has an average or above average credit score. Combining a relatively good credit ranking with recent industry trends, you will be able to save thousands of dollars on a new or used vehicle solely based on the interest rate alone. In addition, obtaining an auto loan for people with bad credit has never been easier either. In fact, the approval rate for low credit scores is higher than it has been since 2008. As the financial market continues to rebound from the glooming recession, more and more people are being granted with the ability to receive a new or used car auto loan. The best part is, the majority of all vehicle loans are also now being given out at a relatively low interest rate

For additional information about Auto Loans and how they can benefit you,
Call and speak with your Personal Representative at 1-888-908-1884, UnifyLenders.comApply Online, It is fast, Easy and Secure. Get Rates as Low as 1.99% APR

With one of the easiest online auto loan applications on the internet, Unify Lenders is here to meet all of your specific car buying needs.Once you have decided that it’s time for a new or used car, you will more than likely, need to apply for an auto loan.By following our simple process and outlined application steps, you will be able to find the exact car loan that you’re looking for.

Step 1 – The first part of the process is to know what kind of loan you need.Whether you need financing for a leased vehicle, new car, used car by dealer, refinancing or a used car loan by a non-dealer, Unify Lenders is here to help you.

Step 2 – After you have determined on the specific type of loan that you need, you will need to decide on the length of the loan that you need.Once you have selected a loan term of either 24, 36, 48, 60 or 70 months, you will be able to continue with the application process.

Step 3 – Let us know what type of car you will be financing.Simply provide us with the year, make, model and mileage and we can help you find the best auto loan for your particular requirements.

Step 4 – Provide us with the loan amount that you require.We highly recommend that you request a higher amount than you might need in order to be on the safe side.

Step 5 – We will need to know if you are filling out a personal application or if you will require a cosigner.If you have a less than average to poor credit ranking, having a cosigner will greatly increase your chances of receiving an auto loan.By having a cosigner, we will also need their personal information like name, legal address, social security number, income verification and date of birth.

Step 6 – Provide us with all of your detailed personal information.We will need to know:

Your first and last name

Your legal residence – This includes your residency for the past two years. If you have not lived at your current address for the

past two years, please provide us of your previous address.

Your date of birth

Social security number

Is your home owned or rented? If it’s owned, we will need to know what your monthly mortgage payments are.

Who is your employer and how long have you worked there? If you have worked there less than two years, let us know about your previous employer.

What is your annual salary? Generally, we will also require proof of income and employment verification. Proof of income will consist of providing us with a requested number of pay stubs. For your employment verification, your work phone number will need to be provided.

Do you have any other liquid assets?

Do you have any other sources of income? If you do, what is the source and what is the additional amount? This can include trust funds, social security payments, child support and alimony.

If you are trading in a used car, we will need to know about the car that is being traded in.

For additional information about Auto Loans and how they can benefit you,
Call and speak with your Personal Representative at 1-888-908-1884, UnifyLenders.com
We will show you the ropes about Auto Loans.Apply Online, It is fast, Easy and Secure. Get Rates as Low as 1.99% APR

After you have gone through our step by step auto loan process, you might have a few questions that you need to ask us or need the help of a live agent. Whether you have a simple question or a complicated one, we are always here to assist you. By simply calling our toll free number at 1-888-908-1884, we will be able to provide you with the help that you need. If you have a more simple inquiry, you will be able to find a wide range of frequently asked questions on our FAQ page. Whether you need immediate help or just have a few general questions, our dedicated staff of experienced professionals are always ready to help you with our auto loan process. Each team member his highly trained in our application procedure requirements and will be able to give the specific answers that you need. In addition, we can help you fill out our auto loan application over the phone if you are having any difficulties with our online form. Simply give us a call, provide us with the information that we require and our staff members can complete the application with you.